ACLEDA Bank Lao Ltd.

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Small Business Loan

In order to increase your earning you would need to expand your business, i.e. increase your capital. Your business does not need only a stable benefit, but a sustainable profit for long live and growth. Always refer to ACLEDA Bank Lao as your partner in capital needs.


INDIVIDUAL LOAN

Interest Rate

Currency type in LAK, THB, and USD

  • Loan period up to 12 months for loan size:
    • Up to LAK600 million, interest rate is 12.00% per annum
    • Up to USD75,000, interest rate is 7.00% per annum
    • Up to THB2.5 million, interest rate is 8.00% per annum
  • Loan period up to 24 months for loan size:
    • Up to LAK600 million, interest rate is 13.00% per annum
    • Up to USD75,000, interest rate is 7.50% per annum
    • Up to THB2.5 million, interest rate is 9.00% per annum
  • Loan period up to 36 months for loan size:
    • More than LAK20 million up to LAK600 million, interest rate is 13.00% per annum
    • More than USD2,500 up to USD75,000, interest rate is 7.50% per annum
    • More than THB80,000 up to THB2.5 million, interest rate is 9.00% per annum
  • Loan period up to 48 months for loan size:
    • More than LAK20 million up to LAK600 million, interest rate is 13.50% per annum
    • More than USD2,500 up to USD75,000, interest rate is 8.00% per annum
    • More than THB80,000 up to THB2.5 million, interest rate is 9.50% per annum
  • Loan period up to 60 months for loan size:
    • More than LAK20 million up to LAK600 million, interest rate is 14.00% per annum
    • More than USD2,500 up to USD75,000, interest rate is 8.50% per annum
    • More than THB80,000 up to THB2.5 million, interest rate is 10.00% per annum

Fee Charge

  • LAK:
    • Up to LAK100 million, fee is 1% of loan size, and collateral evaluation fee is 3% of loan size.
    • Up to LAK600 million, fee is 1% of loan size, and collateral evaluation fee is 2% of loan size.
  • USD:
    • Up to USD10,000, fee is 2% of loan size, and collateral evaluation fee is 3% of loan size.
    • Up to USD75,000, fee is 2% of loan size, and collateral evaluation fee is 2% of loan size.
  • THB:
    • Up to THB400,000, fee is 2% of loan size, and collateral evaluation fee is 3% of loan size.
    • Up to THB2.5 million, fee is 2% of loan size, and collateral evaluation fee is 2% of loan size.

Requirements

  • Age a majority (18 years or older)
  • Have own residential address
  • Have own legal business
  • Willing to pay back to ACLEDA Bank Lao
  • Have own capital of 20% at least
  • Our staff will help you to fill in a loan application form which is available for free at ACLEDA Bank Lao.

GROUP LOAN

Group loan is special loan, provide for who have low income that no enough property to use the loan.

Interest Rate

Currency type in LAK and THB

  • Loan period up to 12 months for loan size:
    • Up to LAK15 million, interest rate is 12.00% per annum
    • Up to THB60,000, interest rate is 8.00% per annum
  • Loan period up to 24 months for loan size:
    • Up to LAK15 million, interest rate is 13.00% per annum
    • Up to THB60,000, interest rate is 9.00% per annum

Fee Charge

  • LAK:
    Up to LAK15 million, fee is 1% of loan size, and collateral evaluation fee is 3% of loan size.
  • THB:
    Up to THB60,000, fee is 2% of loan size, and collateral evaluation fee is 3% of loan size.

Requirements

  • Accept from two to ten people in the group
  • Age a majority (18 years or older)
  • Have own residential address
  • Have own legal business
  • Willing to pay back to ACLEDA Bank Lao
  • Have own capital of 20% at least
  • Our staff will help you to fill in a loan application form which is available for free at ACLEDA Bank Lao

Note:

  • Please click here if you wish to know how much you can afford to borrow, how much the payments will be, or how long it will take to pay off the loan.
  • Please contact our branch for confirmation.

Headquarters

#372, Corner of Dongpalane and Dongpina Road,
Unit 21, Phonesavanh Neua Village, Sisattanak District,
Vientiane Capital, Lao PDR. P.O. Box: 1555

Tel: +85­6 (0)21 264 994 / 264 998
Fax: +85­6 (0)21 264 995 / 219 228
E-mail: acledabank@acledabank.com.la
Website: www.acledabank.com.la
SWIFT Code: ACLBLALA

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Figures in our website are quoted for indication purpose only and subject to variation. Please contact our nearest branch for our services requirements and more information.